Travel insurance is designed to cover various risks associated with traveling. Here are some frequently asked questions about CIC Travel Insurance.
What is covered under travel insurance?
- Medical expenses
- Personal accident cover
- Compensation for cancellations
- Protection against personal liability
- Luggage protection
- Cover against hijacking or wrongful detention
- Compensation for loss of personal property, money or documents
How much does travel insurance cost?
The cost of travel insurance is not entirely fixed. It varies based on a few key factors including the duration of your trip, age of the traveler(s) and the level of coverage you choose (the amount of risk or liability that is covered for an individual or entity).
What is the covered period of the travel policy?
The travel policy will be providing coverage to the insured within the contracted period and for traveling period of a maximum of 92 consecutive days, including one year multi-trips for travelers and up to one year for students.
Is there an age limit on the travel insurance policy?
Yes. The maximum insured age is 80 years old.
Are pre-existing conditions covered?
Your travel policy does NOT cover pre-existing medical illnesses.
How do I choose the right travel insurance cover?
When selecting a travel insurance cover, consider the following:
- Coverage needs – Assess what types risks and liabilities that you would want covered during your trip
- Policy limits – Ensure the policy provides adequate coverage limits for medical expenses and other benefits
- Exclusions – Be keen on what is not covered by the policy
- Reputation of the insurer – Choose a reputable insurance company.
Does my travel policy cover extreme sporting activities?
No. Any hazardous or professional sport or activity and organized bodily contact sport such as football, rugby, skydiving and mountain climbing are excluded from the cover. However, winter sports can be covered at an additional premium.
When I am traveling, will I be covered in my usual country of residence?
No. The policy does not cover the country of residence of the air ticket holder. It only covers the claims that occur in the countries traveled.
What should I do in the event of an emergency?
In the event that the insured requires immediate emergency assistance, our Assistance Company alarm call centre is available 24 hours a day to assist you. The phone numbers are indicated in your policy document.
For any queries on travel insurance, get in touch with us by calling 0703099120 or email callc@cic.co.ke.
